5.16% Nationwide mortgages for over 65s No product fees 2026

Remove tax-free cash from your property.
Nationwide mortgages for over 65s – 5.16% MER rate
Help your family buy a house
Free valuation
Continue to live in your home.
It could be used to help tax planning.
5.16%

How much money can I get?

You can borrow 70% of your home’s value. For example, if your home is worth £310,000, you can release £217,000.

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Difficult to finance home types include homes requiring essential repairs, age restricted properties, leasehold properties where the lease length is currently unacceptable, properties where the customer is offering only part of the title as security for the loan and properties owned under any form of shared equity scheme.

Tough-to-finance property titles can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties with any structural defect, damp, dry or wet rot, some properties with sitting tenants or regulated tenancies, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

Challenging to finance property variants can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with grounds in excess of five acres, use of the land and any outbuildings for a small amount of personal commercial use., properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Difficult-to-finance home types can include properties with post-1945 asbestos or similar composition roof tiles, properties with any external treatment applied to the roof after construction, studio flats located within the M25, former local authority flats, and basement or lower ground floor flats without level access to private or communal garden space.

Hard-to-finance home variants can include timber-framed properties built before 1920, properties with pre-1945 asbestos or similar composition roof tiles, properties constructed or converted within the past 10 years, privately developed flats in blocks of five storeys or more, and basement or lower ground-floor flats with level access to private or communal garden space.

Nationwide later life mortgages

https://www.nationwide.co.uk/

Downsides of Nationwide mortgages for over 65s and Nationwide mortgage interest rates

Lifetime lump-sum mortgages can reduce the inheritance for your family. A monthly-payment lifetime mortgage may affect entitlement to state benefits. You may need to pay a broker’s fee, and you may be exposed to interest rate changes with some products.

Wealthy business owners who could benefit from Nationwide mortgages for over 65s tax planning

Licensed restaurants in Malmesbury
Manufacture of other general-purpose machinery n e c Higham Ferrers
Production of essential pharmaceutical products Chard
The casting of steel Watlington
Manufacture of wire products, chains and springs Bourne
Manufacture of other ceramic products n e c Longridge
Manufacture of consumer electronics in Farnham
Manufacture of wooden containers Ottery St Mary
Manufacture of wallpaper Knaresborough
Technical and vocational secondary education in Ashington
Retail sale of electrical household appliances in specialised stores in North Hykeham
Market research and public opinion polling in Ferndown
Satellite telecommunications activities in Bishops Waltham
Retail sales in commercial art galleries Arlesey
Sale of other motor vehicles in Wilmslow
Activities of extraterritorial organisations and bodies Clevedon
Growing of sugar cane in Burntwood
Retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores in Boroughbridge

Tough-to-finance property variants include properties built on contaminated land, properties without a kitchen or bathroom, properties with structural problems, cob properties, and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget, and Woolaway.

Tough-to-finance property titles include properties built or converted into dwellings within the last 10 years, properties with grounds in excess of five acres, properties without direct access to an adopted highway or which are accessed over an unmade road, properties being used for personal or commercial use, and properties in coastal areas that may be affected by erosion.

Nationwide mortgage rates

Tough-to-finance home titles can include flats of less than 30 square metres in any location, properties with grounds over five acres, agricultural use of the land and any outbuildings, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Difficult-to-mortgage home types include Timber-framed properties constructed post-1965, properties with pre-1945 asbestos or similar composition roof tiles, properties with a minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift, and properties where the flat is accessed via a deck or balcony.

Hodge Lifetime Mortgages

Does Nationwide do Equity Release?

Yes, Nationwide Equity Release is 5.17% APR.

Pure Retirement Mortgages

More to Life Retirement Mortgages

Just

What percentage can be released with Nationwide mortgages for over 65s?

The older you are and the more serious your illnesses, the more tax-free money you can release with Nationwide mortgages for those over 65.

A common question is, “Can I get a mortgage at 65?” Subject to your income, you can likely get a mortgage or remortgage with Nationwide.

Popular loan-to-value percentages of LVE mortgages over 70s, More to life retirement interest-only mortgages over 60, One Family mortgages for over 70s, YBS pensioner mortgages over 60, Principality Building Society interest-only lifetime mortgages for people over 60 and Axa later life interest only mortgages over 60 are 35%, 55% and 65%.

It’s common to find people looking for a monthly lifetime mortgage, monthly lifetime mortgage, or monthly payment equity release. However, Lifetime Mortgage from L&G, like Legal & General, is keen to see paperwork showing your circumstances, such as pension statements.

Does Nationwide do Pensioner Mortgages?

Yes, Nationwide Pensioner Mortgages for over 65’s are 5.16% MER.

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenancy tenant.

Equity Release Loan To Value and Nationwide Equity Release

55% lumpsum lifetime mortgages. The Exeter Equity Release
30% LTV home reversion plans Coventry
55% loan to value home reversion plans Paragon Personal Finance
45% loan to value (LTV) lump sum lifetime mortgages Optimum Credit
25% loan to value interest-only lifetime mortgages, Darlington

Some of the most common loan-to-value percentage ratios of TSB lifetime mortgages for over 60s, Barclays Help to Buy for over 60s, Post Office mortgages over 70s, Legal and General equity release plans for people over 60, RBS mortgages over 70s and Nationwide BS interest-only mortgages for people over 60 are 40%, 55% and 65%.

Areas where Lifetime Mortgages and nationwide.mortgages are routine

Eye
Stotfold
Alnwick
Frome
Lutterworth
Thorne
West Tilbury
Ross-on-Wye
Newquay
Stourbridge
South Kirkby and Moorthorpe
Alton
Northleach with Eastington
Wirksworth
Watton
St Austell

Does Nationwide offer Retirement Mortgages?

Yes, Nationwide Retirement Mortgages are 5.17% MER.

Canada Life Lifestyle Gold Flexi
Liverpool Victoria LV= Flexible Lifetime Mortgage
More to Life Capital Choice Plan
Pure Retirement Classic Drawdown Lite Plan
Stonehaven Equity Release Scheme
Nationwide Interest-Only Lifetime Mortgage
Saga home reversion plan
A mortgage over 65
Bridgewater Lifetime Mortgage
Canada Life Landlord Voluntary Select Plan
L&G Legal & General Flexible Lifetime Mortgage
Stonehaven Equity Release Scheme
Nationwide Equity Release Schemes
Bridgewater Equity Release Schemes
Stonehaven Equity Release Plan
Canada Life Equity Release Plans
Hodge Equity Release Schemes
Just retirement equity release key features
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
NatWest Interest-Only Lifetime Mortgage
Royal Bank of Scotland Lifetime Mortgage

UK Equity Release Scheme Providers that compare with the nationwide mortgage rate

Aviva
Pure Retirement
Key Solutions
Legal & General

Does Nationwide offer Equity Release Under 55?

Yes, Nationwide Equity Release Under 55 is 5.17% APRC.

Nationwide mortgages for over 65s

Find out the lowest rates available from Nationwide. Because pension income is stable, lending to people over 65 is very low risk and attracts a tiny interest rate.

Locations of our head offices for a nationwide mortgage valuation

Nationwide Head Office Address – Swindon
Nationwide Building Society
Nationwide House
Pipers Way
Swindon
SN38 1NW
GPS/Geographical Post Code Only: SN3 1TA

Nationwide Administration Centre address – Northampton, for the latest nationwide mortgage rates

Nationwide Building Society
Kings Park Road
Moulton park
Northampton
NN3 6NW

Portman House Bournemouth Administration Centre
Richmond Hill
Bournemouth
BH2 6EP

Standard retirement finance offerings are Lloyds Bank interest-only mortgages for people over 60, Barclays lifetime mortgages, NatWest retirement interest-only mortgages, L&G pensioner mortgages over 70s and Nationwide BS mortgages for 60 plus.

Does Nationwide do Lifetime Mortgages?

Yes, Nationwide does lifetime mortgages at 2.26% APR. Nationwide Lifetime Mortgages can have a loan-to-value (ltv) of 75%.

Does Nationwide do retirement remortgages for the over 65s?

Yes, a Nationwide retirement remortgage for retired homeowners aged 65 and above is available at a variable 5.17% APRC.

Does Nationwide offer pensioner remortgages for over 65s?

A Nationwide pensioner remortgage for pensioners over 65 is 5.17% APR fixed for life.

Does Nationwide offer later life remortgages for over 65s?

A Nationwide later-life remortgage for homeowners over 65 has a 5.17% MER variable rate.

Does Nationwide offer the best remortgage for retired pensioners over 65?

Yes, Nationwide’s best remortgages for the over 65s are 5.17% APR fixed for life.

Does Nationwide have remortgaging options for those over 65?

A Nationwide remortgaging option for homeowners over 65 is a 5.17% fixed-for-life APR.

Does Nationwide do a mortgage calculator for homeowners over 65?

Yes, Nationwide mortgage calculators for the over 65s show 5.17% APR variable.

Does Nationwide do a RIO mortgage for people over 65?

Yes, Nationwide RIO mortgages for over-65s are fixed at 5.17% AER.

Does Nationwide do a retirement interest-only mortgage for over-65s?

Yes, Nationwide retirement interest-only mortgages for people over 65 are 5.17% MER variable.

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